About The Role

At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country.

As the Commercial Real Estate Portfolio Manager , you will be responsible for credit underwriting, monitoring, and portfolio management of commercial banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. Your responsibilities will include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio. You will manage moderately complex credits and successfully handle multiple demands and competing priorities while meeting all deadlines and ensuring compliance with credit and risk policies.

As part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself.

Primary responsibilities include

Responsible for proactive credit and risk administration of assigned portfolio accounts in the assigned CRE portfolio.
Structuring, underwriting, and documenting new business, renewals, and modifications as the credit expert within the first line of defense.
Provides client management support for assigned portfolio, including direct client interaction on standard credit and risk follow-up issues. Actively engages with relationship managers on progress, issues, and challenges regarding a particular customer relationship or portfolio concern.
Handles multiple demands and competing priorities while meeting deadlines and schedules associated with maintaining portfolio and compliance with credit and risk policies. Manages moderately complex credits.

Qualifications, Education, Certifications and/or Other Professional Credentials

-Bachelor’s Degree required

-3+ years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding, and applying credit policy, and credit monitoring and risk administration practices.

-Expected to have high level of credit and documentation experience.

-Must be skilled in proposing and negotiating and recommending credit and covenant structures for approval.

-Must demonstrate practical and conceptual knowledge of credit and risk analysis.

-Strong communication (written and verbal), presentation, and problem-solving skills

-Poses high attention to detail ensuring accuracy and completion

Hours & Work Schedule

Hours per Week: 40
Work Schedule: M-F (4 days required in office; 1 day work from home)
Location: Boston, MA (Boylston St) or San Francisco, CA (101 California St)

Pay Transparency

The salary range for this position is $109,000 - $136,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits